Can workers’ comp be used to address a permanent disability?

When individuals head to work, they often think about what the day will bring. What they need to get done and how busy their workweek will be. What most workers do not consider is the fact that they could suffer a serious work injury or illness. When such an incident occurs, an employee could have his or her life completely turned upside down. A workplace injury could be the reason why a worker is no longer able to work or obtain any form of employment.

Can workers’ compensation be used to address a permanent disability? When an injured worker suffers a serious injury, causing him or her to become disabled, this can cause one to have many questions. To begin, workers’ comp benefits are typically used to pay workers that are so severely injured that they cannot return to work either temporarily or permanently. In fact, all state workers’ comp policies must pay permanent disability benefits.

If a claim for workers’ comp is currently active, the weekly benefits received will depend on whether or not the injured worker is able to return to work in some capacity. A workers’ comp claim is considered closed when the injured worker has recovered as much as possible. Benefits will continue to be paid if the worker is considered to be totally or permanently disabled and unable to return to any continuous employment.

A workplace incident is a shocking event. A disabled worker may find it difficult to accept and cope with this matter. Therefore, it is important that these workers become informed. Even more so, these workers should explore their options to offset the harms caused by this situation. Workers’ comp could help a work address the financial losses caused by a temporary or permanent disability.

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Stephen E. Garner
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